Embedded One-Click Checkout

ABSTRACT

In one embodiment, a method includes receiving user identifying information in association with a checkout request for an order. The method includes determining that a user account with a transaction processing system associated with the user identifying information does not exist in a database associated with the transaction processing system. The method includes, subsequent to determining that the user account associated with the user identifying information does not exist, receiving payment information for the order from the user. The method includes concurrently receiving an order confirmation and authorization to create a new account with the transaction processing system corresponding to the user identifying information. The method includes facilitating authorization for the order. The method includes storing the received payment information in association with the user identifying information in the database.

TECHNICAL FIELD

This disclosure generally relates to interfaces for completing atransaction.

BACKGROUND

Many online purchases are made by customers through independentmerchants. In most cases, merchants allow customers to either registerfor an account with the merchant or to proceed with a purchase as a“guest.” Customers who register for accounts with a merchant oftenreceive benefits, such as expedited re-ordering or subsequent orderingbecause the merchant can store necessary purchase information or easyaccess to an order history. Customers who make purchases as a guest mustre-enter information such as shipping and payment information for eachorder. However, customers may prefer not to make additional accounts asthey do not wish to be responsible for remembering an additional accountname and password for each merchant from which they make purchases. Thisadded burden discourages customers from taking advantage of the benefitsoffered by merchant-specific accounts and increases the friction andcomputing resources typically necessary to complete each subsequentcustomer order.

Customer discomfort or disinterest with creating merchant-specificaccounts also creates inefficiencies for merchants. Merchants maystruggle to identify customers across purchases, decreasing the abilityfor merchants to accurately recommend products related to previouspurchases. Merchants also risk losing or reducing sales to customers bycustomers deciding against making purchases after being asked tore-enter information. Merchants must also allocate additionalcomputational resources to provide for user interfaces and other userexperience features to accommodate return customers to re-enterinformation necessary for a purchase.

SUMMARY OF PARTICULAR EMBODIMENTS

Embodiments described herein in include systems and methods forautomatically converting a guest checkout for an order or transaction ata merchant into a one-click checkout by identifying payment informationassociated with user identifying information entered into a guestcheckout interface. In particular embodiments, a computing systemassociated with a transaction processing system receives, from acomputing system associated with a merchant, user identifyinginformation in association with a checkout request for an ordercorresponding to a proposed transaction. The transaction processingsystem determines that a user account with the transaction processingsystem associated with the user identifying information does not existin a database associated with the transaction processing system.Subsequent to determining that the user account associated with the useridentifying information does not exist, the transaction processingsystem receives, from the computing system associated with the merchant,payment information for the order from the user. The transactionprocessing system concurrently receives, from the computing systemassociated with the merchant, an order confirmation and authorization tocreate a new account with the transaction processing systemcorresponding to the user identifying information. The transactionprocessing system, facilitates authorization for the order. Thetransaction processing system stores order information corresponding tothe order and the received payment information in association with theuser identifying information in the database associated with thetransaction processing system. In particular embodiments, prior toreceiving the payment information for the order from the user, thetransaction processing system sends, to the computing system associatedwith the merchant, a notification that the user account associated withthe transaction processing system associated with the user identifyinginformation does not exist. Responsive to receiving the notification,the computing system associated with the merchant causes a userinterface for collecting payment information to be displayed on a usercomputing device. In particular embodiments, the transaction processingsystem sends a notification of successful order authorization to thecomputing system associated with the merchant.

The embodiments disclosed above are only examples, and the scope of thisdisclosure is not limited to them. Particular embodiments may includeall, some, or none of the components, elements, features, functions,operations, or steps of the embodiments disclosed above.

BRIEF DESCRIPTION OF THE DRAWINGS

FIG. 1 illustrates example interactions between systems for creating anaccount to be used with an embedded one-click checkout for subsequentpurchases.

FIGS. 2A-2D illustrates example user interfaces for creating an accountto be used with an embedded one-click checkout for subsequent purchases.

FIG. 3 illustrates example interactions between systems for enabling anembedded one-click checkout.

FIGS. 4A-4E illustrate example user interfaces for enabling an embeddedone-click checkout.

FIG. 5 illustrates physical architecture of a transaction processingsystem platform.

FIG. 6 illustrates an alternate visualization of the platform.

FIG. 7 illustrates transaction processing system platform connectionswith third party ecommerce platforms.

FIG. 8 illustrates information flows between the transaction processingsystem platform and a third party platform.

FIG. 9 illustrates the lifecycle of a purchase order.

FIG. 10 illustrates an example computer system.

DESCRIPTION OF EXAMPLE EMBODIMENTS

Particular embodiments disclosed herein may be designed to addressspecific problems or omissions in the current state of the art asdescribed herein. As described herein, particular embodiments includesystems and methods for automatically converting a guest checkout for apurchase order at a merchant into a one-click checkout by identifyingpayment information associated with user identifying information enteredinto a guest checkout interface. In particular embodiments, a computingsystem associated with a transaction processing system receives, from acomputing system associated with a merchant, user identifyinginformation in association with a checkout request for an order. Thetransaction processing system determines that a user account with thetransaction processing system associated with the user identifyinginformation does not exist in a database associated with the transactionprocessing system. Subsequent to determining that the user accountassociated with the user identifying information does not exist, thetransaction processing system receives, from the computing systemassociated with the merchant, payment information for the order from theuser. The transaction processing system concurrently receives, from thecomputing system associated with the merchant, an order confirmation andauthorization to create a new account with the transaction processingsystem corresponding to the user identifying information. Thetransaction processing system, facilitates authorization for the order.The transaction processing system stores order information correspondingto the order and the received payment information in association withthe user identifying information in the database associated with thetransaction processing system. In particular embodiments, prior toreceiving the payment information for the order from the user, thetransaction processing system sends, to the computing system associatedwith the merchant, a notification that the user account associated withthe transaction processing system associated with the user identifyinginformation does not exist. Responsive to receiving the notification,the computing system associated with the merchant causes a userinterface for collecting payment information to be displayed on a usercomputing device. In particular embodiments, the transaction processingsystem sends a notification of successful order authorization to thecomputing system associated with the merchant.

In particular embodiments, subsequent to storing the order informationcorresponding to the order and the received payment information inassociation with the user identifying information, the computing systemassociated with a transaction processing system receives the useridentifying information in association with a second checkout request.The transaction processing system determines that the user accountassociated with the user identifying information exists based ondetermining that the user identifying information received inassociation with the second checkout request corresponds to the storeduser identifying information. The transaction processing systemprocesses the second checkout request using the order information andthe stored payment information. In particular embodiments, prior toprocessing the second checkout request using the order information andthe stored payment information, the transaction processing system causesan account authorization user interface to be displayed on a usercomputing device corresponding to the stored user identifyinginformation, sends a one-time password to the user computing device viaa communication channel associated with the stored user identifyinginformation, receives the one-time password from the user computingdevice via the account authorization user interface, and determines thatthe one-time password sent to the user computing device corresponds withthe one-time password received from the user computing device via theaccount authorization user interface. In particular embodiments, whileprocessing the second checkout request using the order information andthe stored payment information, the transaction processing systemretrieves the order information and stored payment information from thedatabase associated with the transaction processing system using theuser identifying information received in association with the secondcheckout request, causes preferred payment options to be presented in acheckout interface on a user computing device corresponding to thestored user identifying information, and receives a confirmation of theorder from the user computing device via the checkout interface. Inparticular embodiments, the transaction processing system causespreferred address information based on the order information to bepresented in the checkout interface on the user computing device. Inparticular embodiments, the user identifying information received inassociation with the checkout request is an email address or a phonenumber. In particular embodiments, the user identifying informationstored in the database associated with the transaction processing systemincludes the email address and the phone number. In particularembodiments, the user identifying information received from thecomputing system associated with the merchant is originated from a guestcheckout interface presented on a user computing device.

In further embodiments, a user computing device presents a guestcheckout interface in an application executing on the user computingdevice. The guest checkout interface is presented in association with apurchase order. The purchase order corresponding to a proposedtransaction. The user computing device receives, through the guestcheckout interface, user identifying information in association with theorder. The user computing device sends the user identifying informationto a computing system associated with a transaction processing system.The user computing device receives, from the transaction processingsystem, a notification that the user identifying information is notassociated with a user account associated with the transactionprocessing system. The user computing device receives, through the guestcheckout interface, payment information and order information for theorder. The user computing device sends, to the transaction processingsystem, the received payment information and order information. The usercomputing device presents an order confirmation and user accountcreation interface.

In particular embodiments, the user computing device receives, throughthe guest checkout interface, a user input corresponding toauthorization to create the user account using the received useridentifying information, payment information, and order information. Inparticular embodiments, the user identifying information received inassociation with the order is an email address and the order informationfor the order includes a phone number and shipping address. Inparticular embodiments, the user computing device presents, a secondguest checkout interface in the application executing on the usercomputing device. The second guest checkout interface is presented inassociation with a second order. The user computing device receives,through the second guest checkout interface, the user identifyinginformation in association with the second order. The user computingdevice sends the user identifying information to the transactionprocessing system. The user computing device receives, from thetransaction processing system, payment information and order informationstored by the transaction processing system in association with the useridentifying information. The user computing device presents an orderconfirmation interface including the payment information and orderinformation received from the transaction processing system. Inparticular embodiments, the first order is associated with a firstmerchant and the second order is associated with a second merchant. Inparticular embodiments, subsequent to receiving the user identifyinginformation in association with the second order, the user computingdevice presents an account authorization interface. The user computingdevice receives input corresponding to a one-time password from theaccount authorization interface. The user computing device sends theinput corresponding to the one-time password to the transactionprocessing system. In particular embodiments, the user computing devicereceives the payment information and order information stored by thetransaction processing system in association with the user identifyinginformation after the transaction processing system verifies theone-time password.

As described herein, although many online purchases are made bycustomers through a “guest checkout” interface at independent merchants,most customers do not sign up for merchant-specific accounts. Customerswho do not use merchant-specific accounts cannot take advantage of theadded features of the merchant-specific accounts, such as expeditedrepeat ordering or re-ordering, reduced time lost due to re-enteringpayment and shipping information, and other benefits offered by merchantsystems. Possible reasons for customer disinterest in or disregard ofmerchant-specific accounts include the fact that sign-up and loginprocesses are often cumbersome, and consuming significant user time andcomputing resources, managing multiple logins is challenging and doingso makes it more likely that repeat passwords will be relied on, andthere's ultimately low customer trust that merchants will save datasecurely. This disinterest in merchant-specific accounts also negativelyimpacts merchants' ability to monitor sales performance between new andrepeat customers, decreases the ability for merchants to recommendrelated products to customers who may be interested in them, andultimately expose merchants to the risk of losing customers due to theadded labor of providing payment information and order information suchas a shipping addresses, shipping preferences, and contact information.

A transaction processing system, as the term is used in this disclosure,refers to a entity that works with customers and merchants (andpotentially other entities such as acquiring and issuing institutions)to expedite order processing and ensuring that merchants are paid. Atransaction processing system can, for example, collect paymentinformation from customers on behalf of merchants, analyze theinformation for completeness and security risks (e.g., fraud), andsubmit the information for processing upon receiving a customer'scheckout request. The transaction processing system often receivesinformation, such as contact information for a user, uniquelyidentifying information for the user, and related, that is passed on tomerchants. The transaction processing system, therefore, is uniquelypositioned to receive information from a wide variety of customersacross a similarly wide variety of merchants.

Embodiments described herein are related to a transaction processingsystem that, through the use of specially-configured hardware andarchitecture, as well as through the user of specially-configuredprogramming interfaces, provides a technologically-oriented solution tothe problems described above which arise uniquely in the technical fieldof ecommerce. In particular, the embodiments described herein relate tosystems and methods for creating a universal logged-in, one-clickcheckout experience as the default experience for customers on anymerchant website. More specifically, customers who are repeat visitorsto merchant websites that subscribe to the transaction processingsystem, or otherwise authorize access by the transaction processingsystem, can quickly create accounts with the transaction processingsystem directly—forgoing the need to create a separate merchant accountfor each merchant from whom they make purchases.

To solve the myriad problems associated with the current state of guestcheckouts, a transaction processing system can use saved accountinformation from a customer to offer a one-click checkout. Customerssign up for their account with the transaction processing system onceand can access their saved information on any website that uses thetransaction processing system. The embedded one-click checkout,so-called because it can occur with little overhead from the customer ormerchant, has magnifying network effects. As more shoppers sign-up fortransaction processing system accounts, more merchants benefit from thedecreased checkout friction and see a higher percentage of theircheckouts turn into one-click checkouts. As more merchants use theembedded one-click checkout system, shoppers gain the benefit ofincreased easy access to merchants. Furthermore, both customers andmerchants benefit because, rather than having sensitive informationdispersed across unknown numbers of merchants, only a single transactionprocessing system account holds payment information for the user. Thisallows the transaction processing system to harden their security andprotect against malicious actors.

One-click checkout solutions can be divided into two types: managed andembedded. In a managed system, the transaction processing system takesover for the entirety of the merchant's checkout experience. While somemerchant may prefer a turnkey solution, for merchants who have spenttime and resources on customizing the final steps of the user engagementexperience, handing over the experience to a third party may not beideal. Furthermore, merchants may have greater faith in systems they cancontrol, for example ensuring the security of saved customer data thathas been entrusted to them.

In the “embedded” one-click checkout system, as in that describedherein, only the guest checkout procedures are updated. The embeddedsolution described herein enables registration for transactionprocessing system accounts through hosted fields in the checkout userinterface and surfacing a transaction processing system modal when theuser checking out is a recognized transaction processing system user. Auser will be recognized when the information provided to one of thehosted fields can be used to definitively determine that the customerhas an existing account with the transaction processing system. If auser is not recognized, then the merchant's own guest checkout is used.This allows merchants access to the cross-merchant accounts networkwithout replacing the default guest checkout. Additionally, merchant andmerchant-preferred providers, can outsource modular aspects of thecheckout experience to a transaction processing system that specializesin converting customers performing true guest checkouts into customersassociated with a transaction processing system account. Upon realizingthese benefits, merchants can easily tie into even greater benefitsoffered by a transaction processing system, including customer loyaltyexperiences, fraud solutions, payment processing, multi-payment methodorchestration, and the full “managed” one-click checkout solution.

To enable the embedded one-click checkout system, merchants and otherecommerce providers can modify their checkout systems to ensure that theguest checkout system naturally acquires the information used by thetransaction processing system to operate the one-click checkout system.This can include ensuring that multiple levels of user identificationand communication are collection. For example, an email address can actas a first level of identification and a primary means of communication,e.g., order status and transaction history.

A phone number can also be collected to act as a second factor whenidentification customers and logging them in to access stored paymentand shipping information. The phone number can be used as a separatecommunication channel during a one-time password (e.g., passwordless)login. For example, if a user seeks to login into their transactionprocessing system account, rather than enter a secret password, thetransaction processing system can cause a one-time use password to besent to a user device belonging to a customer. The user enters thisone-time use password into an authentication challenge interfacepresented when a user seeks to login.

Additionally, the checkout systems can be modified to provide a user theopportunity to authorize the creation of a transaction processing systemaccount that is separate from a merchant account. Because thetransaction processing system will be storing sensitive information,consent of the customer ensures they are both aware of the featuresprovided to them by the transaction processing system account and alsoaccepting of the risks of allowing certain information to be stored.Because the embedded one-click checkout is a new feature for merchantcheckout systems, at least some modification to comply with thisrequirement is expected.

Particular embodiments disclosed herein may provide one or more of theresults, effects, or benefits described herein. Particular embodimentsdisclosed herein may be implemented using one or more examplearchitectures described herein.

Embodiments will now be described with references to the enclosedfigures. FIG. 1 illustrates a diagram of example interactions between atransaction processing system (e.g., a computing system or computingserver associated with a transaction processing system) and a merchant(e.g., a computing system associated with the merchant) or a merchantvendor. In particular, FIG. 1 illustrates a method 100 for creating atransaction processing system account through an embedded one-clickcheckout through the interactions of a transaction processing system 110and a merchant system 120.

The method begins at step 121, where a user enters a checkout interfaceon the merchant site. This may be the first time the user has enteredthe checkout interface, or the user may be a repeat customer, but themerchant system 120 is unaware because they cannot track the user'sactions within the merchant site.

At step 122, the user enters identifying information, such as an emailaddress or phone number, into the guest checkout interface presented atthe merchant site. The user may select an interactive interface elementto continue the checkout process. The merchant system 120 receives theidentifying information and sends a request to the transactionprocessing system 110. The request may take the form of an call on anapplication programming interface made available by the transactionprocessing system 110.

At step 111, the transaction processing system determines if the enteredidentifying information is associated with an existing transactionprocessing system account. To determine if an account exists or not, thetransaction processing system 110 may query one or more databasesmaintained by the transaction processing system 110 for the purpose ofstoring transaction processing system accounts. The transactionprocessing system 110 can query the database using the provided useridentifying information.

At step 112, the transaction processing system 110 has determined thatno account exists and returns a “no accounts exists” message to themerchant system 120. The merchant system 120 is now at a where the userwould ordinarily enter order information (e.g., shipping information andpreferences) and payment information to complete the transaction. At123, the merchant system receives said order information from the user.The user can be interacting with the merchant system through a userdevice of the merchant. For example, the user device can be executing anapplication associated with the merchant system or can be executing aweb browser visiting a website of the merchant. At step 124, themerchant system 120 retrieves and display customized embedded fieldsprovided by the transaction processing system platform. The embeddedfields can include, for example, fields for ensuring that paymentinformation that has been collected from a user is accurate and valid.The embedded fields can also add layers of security to protect sensitivepayment information. The user enters additional request information intothe embedded fields presented on behalf of the transaction processingsystem 110. The merchant system 120 sends the information collected inthe fields to the transaction processing system 110. For example, themerchant system can use an application programming interface provided bythe transaction processing system for posting payment information.

At step 113, the transaction processing system 110 receives the paymentinformation and a request to tokenize the payment order from themerchant system 120. In particular embodiments, the merchant system 120can affirmatively request tokenization or the transaction processingsystem 110 simply interpret requests of the nature received from themerchant system 120 as tokenization request. The transaction processingsystem 110 tokenizes payment information and, at step 114, returns thepayment token to the merchant system 120. At step 125, the merchantsystem 120 receives another user input, this time in the form of theuser assenting to the creation of a transaction processing systemaccount on their behalf. This may take the form of a checkbox in themerchant's checkout flow. At step 126, the merchant system receives auser input indicating that the user would like to proceed with theorder. This may take the form of the user interacting with aninteractive element in the user interface, such as a button marked“Pay”. At step 115, the transaction processing system 110 proceeds tofacilitate payment to the merchant from the customer by securingauthorization for the order. In particular embodiments, the transactionprocessing system 110 can process the payment itself. In particularembodiments, the transaction processing system 110 can use trustedpartners to handle payment on its behalf. In particular embodiments, thetransaction processing system 110 can use a payment processor specifiedby the merchant. For example, the merchant system 120 may already haveprocess integrations with a specified payment processor. The transactionprocessing system can use those existing integrations to streamlinepayment.

At step 116, the transaction processing system 110 receives anindication that the payment was successfully authorized. This can takethe form of a message from the payment processor used during step 115.On receiving the notice of successful authorization, the transactionprocessing system creates an transaction processing system account forthe customer using the receive information. As an example, thetransaction processing system 110 can create a new entry in a databasefor storing transaction processing system account information. The newentry can be indexed by the user identifying information received forthe customer. The new entry can store information such as the paymentinformation received from the merchant system 120 and the transactioninformation (e.g., shipping address, instructions, or preferences).

At 127, the transaction processing system 110 sends a notice of thesuccessful authorization to the merchant system 120. Upon receiving thenotice of successful authorization, the merchant system 120 can updateits internal records and, at step 127, send the order to be processed,such as by securing inventory for the customer and causing it to bedelivered.

FIGS. 2A-2D illustrate example user interfaces, including user interfacethat may be shown on a user device that is participating in the methodfor creating a transaction processing system account for use in embeddedcheckout described with respect to FIG. 1. FIG. 2A illustrates a userinterface 200 a of a user who has entered a guest checkout page of amerchant. The user has entered an email address as identifyinginformation into the field 205. The user does not have an account withthe merchant, so they select the interactive element 210 to continue asguest. FIG. 2B shows the next user interface 200 b seen by the user.Because the user does not have an account with the merchant or with thetransaction processing system, the user is prompted to enter all oftheir relevant order information. This includes shipping addressinformation and billing address information. Upon entering thisinformation the user is transitioned to user interface 200 c shown inFIG. 2C. In user interface 200 c, the use can now select their preferredpayment method and enter the relevant information. The user also seesupdated tax and shipping charges based on their provided shippinginformation and shipping preferences. FIG. 2D shows the field 215provided by transaction processing system to collect payment informationfrom the user. In particular embodiments, the field 215 can havedistinct branding from the rest of the merchant checkout process. Thefield 215 can also include information explaining how the transactionprocessing system account works and a checkbox 220 allowing the user toconsent the creation of a transaction processing system account on theirbehalf. Upon click the place order button 225, the customer's order isplaced, and the transaction processing system creates an account for theuser.

FIG. 3 illustrates a diagram of example interactions between atransaction processing system (e.g., a computing system or computingserver associated with a transaction processing system) and a merchant(e.g., a computing system associated with the merchant) or a merchantvendor. In particular, FIG. 3 illustrates a method 300 for placing anorder by accessing information stored in a transaction processing systemaccount through an embedded one-click checkout through the interactionsof a transaction processing system 110 and a merchant system 120.

The method begins at step 321, where a user enters a checkout interfaceon the merchant site. In this example, the user is a repeat customer.The customer may be a returning customer from the merchant, or in someembodiment, may be a returning customer from another merchant who hasenabled the embedded one-click checkout flow.

At step 322, the user enters identifying information, such as an emailaddress or phone number, into the guest checkout interface presented atthe merchant site. The user may select an interactive interface elementto continue the checkout process. The merchant system 120 receives theidentifying information and sends a request to the transactionprocessing system 110. The request may take the form of an call on anapplication programming interface made available by the transactionprocessing system 110.

At step 311, the transaction processing system determines if the enteredidentifying information is associated with an existing transactionprocessing system account. To determine if an account exists or not, thetransaction processing system 110 may query one or more databasesmaintained by the transaction processing system 110 for the purpose ofstoring transaction processing system accounts. The transactionprocessing system 110 can query the database using the provided useridentifying information.

At step 312, the transaction processing system 110 has determined thatan account associated with the user identifying information exists andreturns an “account exists” message to the merchant system 120. At 323,the merchant system 120 receives the “account exists” message and opensa modal provided by the transaction processing system 100. The modal, asexplained herein, is used to securely access and display the customer'sinformation to the user via an interface of their user device. Althoughthe user is still sitting on the merchant's site, the user is nowinteracting with the transaction processing system 110.

At step 313, the transaction processing system calculates additionalorder charges for the proposed transaction, such as tax and shippingcharges based on the available shipping options. The transactionprocessing system can coordinate these charged now because thetransaction processing system 110 knows the likely shipping address fromthe user's information stored in the user accounts database. Inparticular embodiments, the tax an shipping options can be performed bythe merchant or by a merchant vendor to ensure that relevant regulationsare complied with. This may be necessary if the merchant has notcompletely passed responsibility for checkout to the transactionprocessing system.

At step 314, the customer is provided a login screen of the transactionprocessing system modal. In particular embodiments, the transactionprocessing system used a one-time-use password, (one time password orOTP). This means that the user does not need to remember a uniquepassword. Instead, the transaction processing system 110 can cause thecustomer to receive a dynamically generated password to be entered bythe customer at the login screen. The transaction processing system 110can use one of the pieces of identifying information corresponding to aparticular communication channel to transmit the OTP. As an example, theOTP can be delivered to the user via a SMS message.

At step 315, the user has entered the OTP and successfully logged in.The user can now see the full modal. The modal can be pre-populated withinformation retrieved from the user accounts database maintained by thetransaction processing system 120 based on the user identifyinginformation. For example, the modal can be prepopulated with useridentifying information, user contact information, user addresses forbilling and shipping, user shipping preferences, user paymentinformation and preferences, etc.

At step 316, the transaction processing system 110 receives thecustomer's selection of shipping options and update the modal asnecessary to show the full charge for the order corresponding to theproposed transaction. The user then authorizes the order throughengaging an interactive element of the modal user interface present onthe customer's user device.

At step 317, the transaction processing system 110 proceeds tofacilitate payment to the merchant from the customer by securingauthorization for the order. In particular embodiments, the transactionprocessing system 110 can process the payment itself. In particularembodiments, the transaction processing system 110 can use trustedpartners to handle payment on its behalf. In particular embodiments, thetransaction processing system 110 can use a payment processor specifiedby the merchant. For example, the merchant system 120 may already haveprocess integrations with a specified payment processor. The transactionprocessing system can use those existing integrations to streamlinepayment.

At step 318, the transaction processing system 110 receives anindication that the payment was successfully authorized. This can takethe form of a message from the payment processor used during step 115.At 324, the transaction processing system 110 sends a notice of thesuccessful authorization to the merchant system 120. Upon receiving thenotice of successful authorization, the merchant system 120 can updateits internal records and, at step 325, send the order to be processed,such as by securing inventory for the customer and causing it to bedelivered.

FIGS. 4A-4E illustrate example user interfaces, including user interfacethat may be shown on a user device that is participating in the methodfor using the one-click embedded checkout described with respect to FIG.3. FIG. 4A illustrates a user interface 400 a of a user who has entereda guest checkout page of a merchant. The user can enter an email addressas identifying information into the field 405. FIG. 4B illustrates auser interface 400 b where the user has entered their email address inthe field 405. Once the user enters their email address or once the userinteracts with the “Continue as Guest” button. The email address isprovided to the transaction processing system, which determines that anaccount exists that is related to the provided email address. Thiscauses the transaction processing system to prompt the user with anaccount authorization interface 410. FIG. 4C shows the user interface400 c including the authorization interface 410. The user is provided anote regarding instructions on how to finish the login, namely throughreceiving a message on their phone. The user is prompted to enter thecode into the elements 415. If the user wishes, they can revert to thefull guest checkout through the interactive element 420. FIG. 4D shows auser interface 400 d, where the elements 415 of the accountauthorization interface 410 have been filled with the OTP sent to thecustomer's phone. After comparing the submitting OTP against an expectedOTP to determine a successful correspondence, the user interfaceadvances to user interface 400 e, shown in FIG. 4E. In user interface400 e, the transaction processing system modal is shown, prepopulatedwith the user shipping information, shipping preferences, and paymentinformation. This saves the user time in re-entering the same data againand speeds up the checkout process to be more efficient for the merchantand transaction processing system.

The user does not have an account with the merchant, so they select theinteractive element 210 to continue as guest. FIG. 2B shows the nextuser interface 200 b seen by the user. Because the user does not have anaccount with the merchant or with the transaction processing system, theuser is prompted to enter all of their relevant order information. Thisincludes shipping address information and billing address information.Upon entering this information the user is transitioned to userinterface 200 c shown in FIG. 2C. In user interface 200 c, the use cannow select their preferred payment method and enter the relevantinformation. The user also sees updated tax and shipping charges basedon their provided shipping information and shipping preferences. FIG. 2Dshows the field 215 provided by transaction processing system to collectpayment information from the user. In particular embodiments, the field215 can have distinct branding from the rest of the merchant checkoutprocess. The field 215 can also include information explaining how thetransaction processing system account works and a checkbox 220 allowingthe user to consent the creation of a transaction processing systemaccount on their behalf. Upon click the place order button 225, thecustomer's order is placed and the transaction processing system createsan account for the user.

Particular embodiments may repeat one or more steps of the exampleprocess(es), where appropriate. Although this disclosure describes andillustrates particular steps of the example process(es) as occurring ina particular order, this disclosure contemplates any suitable steps ofthe example process(es) occurring in any suitable order. Moreover,although this disclosure describes and illustrates an example process,this disclosure contemplates any suitable process including any suitablesteps, which may include all, some, or none of the steps of the exampleprocess(es), where appropriate. Furthermore, although this disclosuredescribes and illustrates particular components, devices, or systemscarrying out particular steps of the example process(es), thisdisclosure contemplates any suitable combination of any suitablecomponents, devices, or systems carrying out any suitable steps of theexample process(es).

Underlying foundational concepts and terms of art relied upon may relateto one or more of the following:

The Bolt Platform consists of four conceptual parts. The frontend thatserves both the main consumer checkout flow as well as internal andexternal dashboards and administrative tools. The core services thatpower the checkout flow as well as fraud detection and payments. Bolt isarchitected as a set of independent services which communicate to eachother via HyperText Transfer Protocol Representational State Transfer(“HTTP REST”) or AMAZON Web Services Simple Queue Service (“AWS SQS”)messages. The Bolt Application Programming Interface (“Bolt API”), whichis the primary means by which merchant systems interface with Bolt,exposed to the outside world via HTTPS REST. Plugins, which are deployedto merchant systems and which connect these systems with the Bolt API.

Other foundational concepts and terms of art may relate to one or moreof the following:

-   -   Processor integrations to automate chargeback handling (syncing,        representment)    -   A regression model to predict chance of winning a representment.        From the regression model the system may derive the expected        value.    -   A classification model to recommend action items to the        merchant. Example action items including fighting chargebacks or        not or what is the most valuable evidence.    -   Merchant integration to potentially generate evidence        automatically. Evidence may include:        -   AVS results        -   CVV results        -   Billing/shipping addresses        -   Historical orders        -   Shipment receipt        -   Tracking details        -   Third party data on the user

In all example embodiments described herein, appropriate options,features, and system components may be provided to enable collection,storing, transmission, information security measures (e.g., encryption,authentication/authorization mechanisms), anonymization,pseudonymization, isolation, and aggregation of information incompliance with applicable laws, regulations, and rules. In all exampleembodiments described herein, appropriate options, features, and systemcomponents may be provided to enable protection of privacy for aspecific individual, including by way of example and not limitation,generating a report regarding what personal information is being or hasbeen collected and how it is being or will be used, enabling deletion orerasure of any personal information collected, and/or enabling controlover the purpose for which any personal information collected is used.

The frontend of the Bolt Platform can consist of the followingsub-components:

-   -   “Connect.js”—renders the Bolt checkout button and bootstrap        iframe for checkout    -   “checkout”—which is the user-facing component for checkout        experience    -   “Merchant”—which is the merchant facing dashboard    -   “Admin”—which is the internal dashboard used by risk analysts,        merchant success, and engineering

Example of core services and APIs include:

-   -   “API”—which is the set of APIs that power the checkout flow    -   “adminapi”—which is the set of APIs that power the admin        dashboard.    -   “apihooks”—which sends webhook messages to merchant's shopping        platforms    -   “AsyncJobs”—which is the job framework to handle long-running        asynchronous operations    -   “Notifier”—which sends notifications such as emails and short        message service (“SMS”) messages    -   “Imageproxy”—which is a lightweight proxy to serve images

Backend services may be written in go (with some machine-learning (“ML”)logic in python used for risk modeling). Frontend components may bewritten in React/Typescript. Data may be stored in Postgres, hosted by arelational database service (RDS). Another database used for statemanagement may be Redis.

“Tokenizer” is a completely separate service, available in a serverlessway to handle card tokenization. Tokenizer may be maintained completelyseparate do payment card industry security standards. Tokenizer may bemade available in a serverless way, for example, through a service suchas AMAZON Lambda. The tokenizer may be implemented in Typescript,powered by a postgres DB. All of the tokenizer infrastructure may bemaintained by a separate provider account, with access restricted to afew people.

Below are more details about key services and technology components.

Service/Component Purpose/Functionality Frameworks/Languages API Allcommunication with 3 p services, Golang front end code, business logicConnect.js and Connect.js used for rendering checkout React iFramebutton, entry point for merchants Typescript IFrame is how we hostcheckout form, Webpack secure communication with API checkout frontendComponents used to collect user React information during checkout ReduxWebpack Typescript Notifier Microservice for enqueueing and Golangsending email and SMS notifications SQS to consumers and merchants.MAILGUN TWILIO Account.js and Used for BigCommerce account React iFramedashboard-also uses an Iframe to Redux display data Webpack TypescriptShopping Dashboard Features added to above Account.js React ReduxWebpack Typescript Asynchronous jobs Heavy lifting of job logic toperform Golang tasks like funding, risk review, etc Redis MachineryApihooks (i.e Microservice for enqueueing and Golang Webhooks) sendingwebhook events to merchant SQS platforms. Payment jobs Scheduler forAsyncjobs framework Golang Machinery Redis Search service to indextransactions for Golang merchant dashboard Elastic Search Tokenizer PCIcompliant serverless lambda to store Node.js credit card information.Used to proxy AWS Lambda information to 3rd parties AWS Key ManagementService (“KWS”) AWS RDS Gatekeeper/A/B Experimentation and featurerollout Typescript experimentation platform AWS Simple Storage Service(“S3”) AWS CLOUDFRONT Sleet Provides a standardized wrapper for Golangimplementing many payment processor gateways. Risk pipeline Modelingtraining and model serving Golang Python SAGEMAKER Track.js and iFrameUsed to track customer behavior when Typescript they land on merchant'spage. Used for React risk signals Ledger Double write bookkeepingservice for Golang funds. Tracks money movements through the systemChargeback Automated system to pull chargeback Golang managementinformation from various payment React processors and display tomerchants in Typescript the merchant dashboard chargeback portalReporting and Reports pulled from Vantiv and Golang Reconciliationasyncjob with the ledger to ensure fee Asyncjobs collection AWS S3Merchant Dashboard Centralized dashboard for all actions and GraphQLreporting related to a merchant's React management of their Bolt system.Typescript Admin Dashboard Centralized dashboard for all internalGraphQL actions related to managing Bolt React merchants. JavaScriptAdmin API API for actions done by Bolt internal Goland employees(onboarding merchants, GraphQL turning on features) and majority of useis for risk review

Integration with ecommerce platforms is supported in two ways. First,directly via the API. Second, with plugins deployed to the hostinstance.

Database: Data is stored in highly available postgres databases backedby AWS RDS. Databases can scale their components within available limitsfor disk (up to 16 TB), CPU/ram/network (db.x1e.32xlarge which is 64 cpuand 3,904 TB RAM).

Messaging: Both Consumer and Merchant-facing components do messagingthrough our Notifier Service.

Data Access: Services communicate via REST. GraphQL is used pervasivelyfor all non-external endpoints.

Data Warehouse: A cloud data warehousing service may service as the maindata warehouse that stores the refined data. AMAZON ELASTIC MAPREDUCEmay be used for extract, transform, load (“ETL”) workflows and generalanalysis of the raw data. AWS Step functions, triggered by a cloud watchevent, and AWS Lambda may be used to run the ETL workflows. Results maybe loaded into the data warehouse. Code such as ETL scripts may beseparately managed. Data consumers (e.g. analysts who look at checkoutevents) use may use plugins to run queries.

Hosting model: The systems may run on highly available containerizedbackend services backed, for example, by DOCKER and KUBERNETES on AWS.The backend services may be scaled up/down with zero downtime.Infrastructure for serving the frontend code is highly available andbacked by AWS. Frontend serving automatically scales with traffic load.

Logging: Frontend (Bolt checkout modal) logs are sent to an errormonitoring and reporting tool. All backend applications (e.g., api,paymentjobs, asyncjobs, notifier, etc.) and infrastructure logs (e.g.,kubernetes, AWS) are sent to a cloud monitoring platform. Logs may bearchived for long-term storage.

Monitoring: High and low level monitors exist to notify engineers ofissues. Monitors are replicated to non-production environments to ensureissues can be caught before they make it to production. Monitors aremanaged in code to ensure consistency and to track changes. Overallapplication service-level agreements (SLAs) are measured, and lowerlevel monitoring of metrics and logs may be performed using a cloudmonitoring platform.

FIG. 5 highlights the physical architecture of the platform.

FIG. 6 shows an alternate visualization of the platform, focusing onbackend services.

FIG. 7 is helpful in understanding how the platform connects with athird party ecommerce platform.

FIG. 8 dives a layer deeper and illustrates the information flowsbetween the platform and a third party platform.

FIG. 9 illustrates the lifecycle of a purchase order.

FIG. 10 illustrates an example computer system 1000. In particularembodiments, one or more computer systems 1000 perform one or more stepsof one or more methods described or illustrated herein. In particularembodiments, one or more computer systems 1000 provide functionalitydescribed or illustrated herein. In particular embodiments, softwarerunning on one or more computer systems 1000 performs one or more stepsof one or more methods described or illustrated herein or providesfunctionality described or illustrated herein. Particular embodimentsinclude one or more portions of one or more computer systems 1000.Herein, reference to a computer system may encompass a computing device,and vice versa, where appropriate. Moreover, reference to a computersystem may encompass one or more computer systems, where appropriate.

This disclosure contemplates any suitable number of computer systems1000. This disclosure contemplates computer system 1000 taking anysuitable physical form. As example and not by way of limitation,computer system 1000 may be an embedded computer system, asystem-on-chip (SOC), a single-board computer system (SBC) (such as, forexample, a computer-on-module (COM) or system-on-module (SOM)), adesktop computer system, a laptop or notebook computer system, aninteractive kiosk, a mainframe, a mesh of computer systems, a mobiletelephone, a personal digital assistant (PDA), a server, a tabletcomputer system, or a combination of two or more of these. Whereappropriate, computer system 1000 may include one or more computersystems 1000; be unitary or distributed; span multiple locations; spanmultiple machines; span multiple data centers; or reside in a cloud,which may include one or more cloud components in one or more networks.Where appropriate, one or more computer systems 1000 may perform withoutsubstantial spatial or temporal limitation one or more steps of one ormore methods described or illustrated herein. As an example and not byway of limitation, one or more computer systems 1000 may perform in realtime or in batch mode one or more steps of one or more methods describedor illustrated herein. One or more computer systems 1000 may perform atdifferent times or at different locations one or more steps of one ormore methods described or illustrated herein, where appropriate.

In particular embodiments, computer system 1000 includes a processor1002, memory 1004, storage 1006, an input/output (I/O) interface 1008, acommunication interface 1010, and a bus 1012. Although this disclosuredescribes and illustrates a particular computer system having aparticular number of particular components in a particular arrangement,this disclosure contemplates any suitable computer system having anysuitable number of any suitable components in any suitable arrangement.

In particular embodiments, processor 1002 includes hardware forexecuting instructions, such as those making up a computer program. Asan example and not by way of limitation, to execute instructions,processor 1002 may retrieve (or fetch) the instructions from an internalregister, an internal cache, memory 1004, or storage 1006; decode andexecute them; and then write one or more results to an internalregister, an internal cache, memory 1004, or storage 1006. In particularembodiments, processor 1002 may include one or more internal caches fordata, instructions, or addresses. This disclosure contemplates processor1002 including any suitable number of any suitable internal caches,where appropriate. As an example and not by way of limitation, processor1002 may include one or more instruction caches, one or more datacaches, and one or more translation lookaside buffers (TLBs).Instructions in the instruction caches may be copies of instructions inmemory 1004 or storage 1006, and the instruction caches may speed upretrieval of those instructions by processor 1002. Data in the datacaches may be copies of data in memory 1004 or storage 1006 forinstructions executing at processor 1002 to operate on; the results ofprevious instructions executed at processor 1002 for access bysubsequent instructions executing at processor 1002 or for writing tomemory 1004 or storage 1006; or other suitable data. The data caches mayspeed up read or write operations by processor 1002. The TLBs may speedup virtual-address translation for processor 1002. In particularembodiments, processor 1002 may include one or more internal registersfor data, instructions, or addresses. This disclosure contemplatesprocessor 1002 including any suitable number of any suitable internalregisters, where appropriate. Where appropriate, processor 1002 mayinclude one or more arithmetic logic units (ALUs); be a multi-coreprocessor; or include one or more processors 1002. Although thisdisclosure describes and illustrates a particular processor, thisdisclosure contemplates any suitable processor.

In particular embodiments, memory 1004 includes main memory for storinginstructions for processor 1002 to execute or data for processor 1002 tooperate on. As an example and not by way of limitation, computer system1000 may load instructions from storage 1006 or another source (such as,for example, another computer system 1000) to memory 1004. Processor1002 may then load the instructions from memory 1004 to an internalregister or internal cache. To execute the instructions, processor 1002may retrieve the instructions from the internal register or internalcache and decode them. During or after execution of the instructions,processor 1002 may write one or more results (which may be intermediateor final results) to the internal register or internal cache. Processor1002 may then write one or more of those results to memory 1004. Inparticular embodiments, processor 1002 executes only instructions in oneor more internal registers or internal caches or in memory 1004 (asopposed to storage 1006 or elsewhere) and operates only on data in oneor more internal registers or internal caches or in memory 1004 (asopposed to storage 1006 or elsewhere). One or more memory buses (whichmay each include an address bus and a data bus) may couple processor1002 to memory 1004. Bus 1012 may include one or more memory buses, asdescribed below. In particular embodiments, one or more memorymanagement units (MMUs) reside between processor 1002 and memory 1004and facilitate accesses to memory 1004 requested by processor 1002. Inparticular embodiments, memory 1004 includes random access memory (RAM).This RAM may be volatile memory, where appropriate Where appropriate,this RAM may be dynamic RAM (DRAM) or static RAM (SRAM). Moreover, whereappropriate, this RAM may be single-ported or multi-ported RAM. Thisdisclosure contemplates any suitable RAM. Memory 1004 may include one ormore memories 1004, where appropriate. Although this disclosuredescribes and illustrates particular memory, this disclosurecontemplates any suitable memory.

In particular embodiments, storage 1006 includes mass storage for dataor instructions. As an example and not by way of limitation, storage1006 may include a hard disk drive (HDD), a floppy disk drive, flashmemory, an optical disc, a magneto-optical disc, magnetic tape, or aUniversal Serial Bus (USB) drive or a combination of two or more ofthese. Storage 1006 may include removable or non-removable (or fixed)media, where appropriate. Storage 1006 may be internal or external tocomputer system 1000, where appropriate. In particular embodiments,storage 1006 is non-volatile, solid-state memory. In particularembodiments, storage 1006 includes read-only memory (ROM). Whereappropriate, this ROM may be mask-programmed ROM, programmable ROM(PROM), erasable PROM (EPROM), electrically erasable PROM (EEPROM),electrically alterable ROM (EAROM), or flash memory or a combination oftwo or more of these. This disclosure contemplates mass storage 1006taking any suitable physical form. Storage 1006 may include one or morestorage control units facilitating communication between processor 1002and storage 1006, where appropriate. Where appropriate, storage 1006 mayinclude one or more storages 1006. Although this disclosure describesand illustrates particular storage, this disclosure contemplates anysuitable storage.

In particular embodiments, I/O interface 1008 includes hardware,software, or both, providing one or more interfaces for communicationbetween computer system 1000 and one or more I/O devices. Computersystem 1000 may include one or more of these I/O devices, whereappropriate. One or more of these I/O devices may enable communicationbetween a person and computer system 1000. As an example and not by wayof limitation, an I/O device may include a keyboard, keypad, microphone,monitor, mouse, printer, scanner, speaker, still camera, stylus, tablet,touch screen, trackball, video camera, another suitable I/O device or acombination of two or more of these. An I/O device may include one ormore sensors. This disclosure contemplates any suitable I/O devices andany suitable I/O interfaces 1008 for them. Where appropriate, I/Ointerface 1008 may include one or more device or software driversenabling processor 1002 to drive one or more of these I/O devices. I/Ointerface 1008 may include one or more I/O interfaces 1008, whereappropriate. Although this disclosure describes and illustrates aparticular I/O interface, this disclosure contemplates any suitable I/Ointerface.

In particular embodiments, communication interface 1010 includeshardware, software, or both providing one or more interfaces forcommunication (such as, for example, packet-based communication) betweencomputer system 1000 and one or more other computer systems 1000 or oneor more networks. As an example and not by way of limitation,communication interface 1010 may include a network interface controller(NIC) or network adapter for communicating with an Ethernet or otherwire-based network or a wireless NIC (WNIC) or wireless adapter forcommunicating with a wireless network, such as a WI-FI network. Thisdisclosure contemplates any suitable network and any suitablecommunication interface 1010 for it. As an example and not by way oflimitation, computer system 1000 may communicate with an ad hoc network,a personal area network (PAN), a local area network (LAN), a wide areanetwork (WAN), a metropolitan area network (MAN), or one or moreportions of the Internet or a combination of two or more of these. Oneor more portions of one or more of these networks may be wired orwireless. As an example, computer system 1000 may communicate with awireless PAN (WPAN) (such as, for example, a BLUETOOTH WPAN), a WI-FInetwork, a WI-MAX network, a cellular telephone network (such as, forexample, a Global System for Mobile Communications (GSM) network), orother suitable wireless network or a combination of two or more ofthese. Computer system 1000 may include any suitable communicationinterface 1010 for any of these networks, where appropriate.Communication interface 1010 may include one or more communicationinterfaces 1010, where appropriate. Although this disclosure describesand illustrates a particular communication interface, this disclosurecontemplates any suitable communication interface.

In particular embodiments, bus 1012 includes hardware, software, or bothcoupling components of computer system 1000 to each other. As an exampleand not by way of limitation, bus 1012 may include an AcceleratedGraphics Port (AGP) or other graphics bus, an Enhanced Industry StandardArchitecture (EISA) bus, a front-side bus (FSB), a HYPERTRANSPORT (HT)interconnect, an Industry Standard Architecture (ISA) bus, an INFINIBANDinterconnect, a low-pin-count (LPC) bus, a memory bus, a Micro ChannelArchitecture (MCA) bus, a Peripheral Component Interconnect (PCI) bus, aPCI-Express (PCIe) bus, a serial advanced technology attachment (SATA)bus, a Video Electronics Standards Association local (VLB) bus, oranother suitable bus or a combination of two or more of these. Bus 1012may include one or more buses 1012, where appropriate. Although thisdisclosure describes and illustrates a particular bus, this disclosurecontemplates any suitable bus or interconnect.

Herein, a computer-readable non-transitory storage medium or media mayinclude one or more semiconductor-based or other integrated circuits(ICs) (such, as for example, field-programmable gate arrays (FPGAs) orapplication-specific ICs (ASICs)), hard disk drives (HDDs), hybrid harddrives (HHDs), optical discs, optical disc drives (ODDs),magneto-optical discs, magneto-optical drives, floppy diskettes, floppydisk drives (FDDs), magnetic tapes, solid-state drives (SSDs),RAM-drives, SECURE DIGITAL cards or drives, any other suitablecomputer-readable non-transitory storage media, or any suitablecombination of two or more of these, where appropriate. Acomputer-readable non-transitory storage medium may be volatile,non-volatile, or a combination of volatile and non-volatile, whereappropriate.

Herein, “or” is inclusive and not exclusive, unless expressly indicatedotherwise or indicated otherwise by context. Therefore, herein, “A or B”means “A, B, or both,” unless expressly indicated otherwise or indicatedotherwise by context. Moreover, “and” is both joint and several, unlessexpressly indicated otherwise or indicated otherwise by context.Therefore, herein, “A and B” means “A and B, jointly or severally,”unless expressly indicated otherwise or indicated otherwise by context.

The scope of this disclosure encompasses all changes, substitutions,variations, alterations, and modifications to the example embodimentsdescribed or illustrated herein that a person having ordinary skill inthe art would comprehend. The scope of this disclosure is not limited tothe example embodiments described or illustrated herein. Moreover,although this disclosure describes and illustrates respectiveembodiments herein as including particular components, elements,feature, functions, operations, or steps, any of these embodiments mayinclude any combination or permutation of any of the components,elements, features, functions, operations, or steps described orillustrated anywhere herein that a person having ordinary skill in theart would comprehend. Furthermore, any reference herein to an apparatusor system or a component of an apparatus or system being adapted to,arranged to, capable of, configured to, enabled to, operable to, oroperative to perform a particular function encompasses that apparatus,system, component, whether or not it or that particular function isactivated, turned on, or unlocked, as long as that apparatus, system, orcomponent is so adapted, arranged, capable, configured, enabled,operable, or operative. Additionally, although this disclosure describesor illustrates particular embodiments as providing particularadvantages, particular embodiments may provide none, some, or all ofthese advantages.

1. A method comprising: receiving, by a transaction processing systemfrom a computing system associated with a merchant, user identifyinginformation in association with a checkout request for an order;determining, by the transaction processing system, that a user accountwith the transaction processing system associated with the useridentifying information does not exist in a database associated with thetransaction processing system; subsequent to determining that the useraccount associated with the user identifying information does not exist,receiving, by the transaction processing system from the computingsystem associated with the merchant, payment information for the orderfrom a user; by the transaction processing system, concurrentlyreceiving, from the computing system associated with the merchant, anorder confirmation and authorization to create a new account with thetransaction processing system corresponding to the user identifyinginformation; facilitating, by the transaction processing system,authorization for the order; and storing, by the transaction processingsystem in the database associated with the transaction processingsystem, order information corresponding to the order and the receivedpayment information in association with the user identifyinginformation.
 2. The method of claim 1, further comprising: prior toreceiving the payment information for the order from the user, sending,to the computing system associated with the merchant, a notificationthat the user account associated with the transaction processing systemassociated with the user identifying information does not exist,wherein, responsive to receiving the notification, the computing systemassociated with the merchant causes a user interface for collectingpayment information to be displayed on a user computing device.
 3. Themethod of claim 2, further comprising: sending a notification ofsuccessful order authorization to the computing system associated withthe merchant.
 4. The method of claim 1, further comprising: subsequentto storing the order information corresponding to the order and thereceived payment information in association with the user identifyinginformation, receiving, by the computing system associated with atransaction processing system, the user identifying information inassociation with a second checkout request; determining that the useraccount associated with the user identifying information exists based ondetermining that the user identifying information received inassociation with the second checkout request corresponds to the storeduser identifying information; and processing the second checkout requestusing the order information and the stored payment information.
 5. Themethod of claim 4, further comprising, prior to processing the secondcheckout request using the order information and the stored paymentinformation: causing an account authorization user interface to bedisplayed on a user computing device corresponding to the stored useridentifying information; sending a one-time password to the usercomputing device via a communication channel associated with the storeduser identifying information; receiving the one-time password from theuser computing device via the account authorization user interface; anddetermining that the one-time password sent to the user computing devicecorresponds with the one-time password received from the user computingdevice via the account authorization user interface.
 6. The method ofclaim 4, wherein processing the second checkout request using the orderinformation and the stored payment information comprises: retrieving thetransaction information and stored payment information from the databaseassociated with the transaction processing system using the useridentifying information received in association with the second checkoutrequest; causing preferred payment options to be presented in a checkoutinterface on a user computing device corresponding to the stored useridentifying information; and receiving a confirmation of the order fromthe user computing device via the checkout interface.
 7. The method ofclaim 6, further comprising: causing preferred address information basedon the order information to be presented in the checkout interface onthe user computing device.
 8. The method of claim 1, wherein the useridentifying information in association with the checkout requestcomprises an email address or a phone number.
 9. The method of claim 8,wherein the user identifying information stored in the databaseassociated with the transaction processing system comprises the emailaddress and the phone number.
 10. The method of claim 1, wherein theuser identifying information received from the computing systemassociated with the merchant is originated from a guest checkoutinterface presented on a user computing device.
 11. A method comprising:presenting, by a user computing device, a guest checkout interface in anapplication executing on the user computing device, the guest checkoutinterface being presented in association with an order; receiving, bythe user computing device through the guest checkout interface, useridentifying information in association with the order; sending, by theuser computing device, the user identifying information to a computingsystem associated with a transaction processing system; receiving, bythe user computing device from the transaction processing system, anotification that the user identifying information is not associatedwith a user account associated with the transaction processing system;receiving, by the user computing device through the guest checkoutinterface, payment information and order information for the order;sending, by the user computing device to the transaction processingsystem, the received payment information and order information; andpresenting, by the user computing device, an order confirmation and useraccount creation interface.
 12. The method of claim 11, furthercomprising: receiving, by the user computing device through the guestcheckout interface, a user input corresponding to authorization tocreate the user account using the received user identifying information,payment information, and order information.
 13. The method of claim 11,wherein the user identifying information received in association withthe order comprises an email address; and wherein the order informationfor the order comprises a phone number and shipping address.
 14. Themethod of claim 11 further comprising: presenting, by the user computingdevice, a second guest checkout interface in the application executingon the user computing device, the second guest checkout interface beingpresented in association with a second order; receiving, by the usercomputing device through the second guest checkout interface, the useridentifying information in association with the second order; sending,by the user computing device, the user identifying information to thetransaction processing system; receiving, by the user computing devicefrom the transaction processing system, payment information and orderinformation stored by the transaction processing system in associationwith the user identifying information; and presenting, by the usercomputing device, an order confirmation interface comprising the paymentinformation and order information received from the transactionprocessing system.
 15. The method of claim 14, wherein the order isassociated with a first merchant and the second order is associated witha second merchant.
 16. The method of claim 14, further comprising:subsequent to receiving the user identifying information in associationwith the second order, presenting, by the user computing device, anaccount authorization interface; receiving input corresponding to aone-time password from the account authorization interface; and sendingthe input corresponding to the one-time password to the transactionprocessing system.
 17. The method of claim 16, wherein the usercomputing device receives the payment information and order informationstored by the transaction processing system in association with the useridentifying information after the transaction processing system verifiesthe one-time password.
 18. A system associated with a transactionprocessing system comprising: one or more processors; and one or morecomputer-readable non-transitory storage media coupled to one or more ofthe processors and comprising instructions operable when executed by oneor more of the processors to cause the system to perform operationscomprising: receiving, from a computing system associated with amerchant, user identifying information in association with a checkoutrequest for an order; determining that a user account with thetransaction processing system associated with the user identifyinginformation does not exist in a database associated with the transactionprocessing system; subsequent to determining that the user accountassociated with the user identifying information does not exist,receiving, from the computing system associated with the merchant,payment information for the order from a user; concurrently receiving,from the computing system associated with the merchant, an orderconfirmation and authorization to create a new account with thetransaction processing system corresponding to the user identifyinginformation; facilitating authorization for the order; and storing, inthe database associated with the transaction processing system, orderinformation corresponding to the order and the received paymentinformation in association with the user identifying information. 19.The system of claim 18, wherein the instructions are further operablewhen executed by one or more of the processors to cause the system toperform further operations comprising: prior to receiving the paymentinformation for the order from the user, sending, to the computingsystem associated with the merchant, a notification that the useraccount associated with the transaction processing system associatedwith the user identifying information does not exist, wherein,responsive to receiving the notification, the computing systemassociated with the merchant causes a user interface for collectingpayment information to be displayed on a user computing device.
 20. Thesystem of claim 19, wherein the instructions are further operable whenexecuted by one or more of the processors to cause the system to performfurther operations comprising: sending a notification of successfulorder authorization to the computing system associated with themerchant.